Financial institutions and fintechs must monitor fair and responsible banking practices to comply with federal consumer protection laws, expand access to underserved communities, and avoid discriminatory outcomes. Proactive fair lending practices reduce penalties, keep financial institutions aligned with regulatory change, prevent discrimination, expand customer reach, and build trust.

Wolters Kluwer US Regulatory Consulting (USRC) brings together former bankers, regulators, compliance officers, attorneys, and auditors who understand the supervisory and operational challenges that financial institutions face today.

Seth Reimer Specialized Consulting Manager- Compliance Solutions
Seth Reimer
Associate Director, US Regulatory Consulting, Fair and Responsible Banking
Seth leads USRC’s Fair and Responsible Banking practice.  In his role, Seth directs fair lending analytics, program governance, and regulatory strategy to support equitable, data driven frameworks for his clients.
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Who We Are
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Strengthen the foundation of your fair lending program

UCRC’s fair lending core services deliver comprehensive, regulatory‑aligned evaluations that help institutions understand where risks emerge, how lending practices compare to peers and demographics, and where controls must be strengthened to ensure equitable outcomes. Through deep quantitative analysis, rigorous file‑level assessment, and expert review of redlining, underwriting, pricing, and decisioning practices, our team provides the insight and guidance needed to reinforce fairness, elevate governance, and build long‑term resilience across all lending activities.

Fair lending risk review

A comprehensive, regulatory‑aligned evaluation that assesses: 


• Quantitative lending risk versus peers and demographics

• Statistically significant disparities in pricing and underwriting

• Potential discriminatory patterns in decisioning

• Strength of underwriting and pricing controls


This review provides a full understanding of fair lending performance relative to legal requirements, regulatory expectations, and industry best practices.

Redlining risk review

A structured assessment of redlining risk that evaluates:


• Geographic distribution of loans relative to majority-minority census tracts (MMCTs) and low- and moderate- income (LMI) census tracts

• Disparities in application/origination activity

• Performance versus peer groups

• Marketing penetration across all tract types

• Residual risk rating based on inherent risk and quality of controls


This assessment clarifies redlining exposure and alignment with regulatory standards. 

Comparative file review

This review examines file‑level outcomes to determine whether similarly situated applicants receive consistent treatment. It assesses:


• Pricing and underwriting differences identified through regression analysis

• Consistency of decisioning and pricing standards

• Timing and outcome disparities that could signal bias


This ensures practices are aligned with fair lending regulatory expectations.

Examination Preparation

USRC leverages regulatory and industry expertise to assess your institution’s current posture and prepare you for upcoming evaluations — highlighting strengths, vulnerabilities, and required actions.

Staff augmentation

USRC provides experienced fair lending professionals who integrate seamlessly with existing teams — bringing executional strength, subject‑matter expertise, and flexibility to address resource gaps and accelerate progress.

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Connect with an expert to assess your challenges and chart a focused path forward.
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We bring a partnership mindset

When you work with Wolters Kluwer USRC, you gain a team that:

Understands your institution’s unique risk profile

Brings clarity to complex regulatory requirements

Delivers practical, actionable, and exam‑ready solutions

Supports implementation, testing, and ongoing improvement

A group of people partnering on regulatory excellence
A collaborative, transparent approach to regulatory excellence
At Wolters Kluwer USRC, we partner closely with institutions to deliver clarity, structure, and confidence across every stage of the compliance and risk management journey. Our approach is grounded in deep regulatory expertise, practical execution, and a commitment to meeting institutions where they are.
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Project management you can trust
Our engagement model is collaborative, transparent, and rooted in real‑world experience. Using advanced project management platforms and proven methodologies, we ensure clients stay continuously connected to their USRC team — receiving real‑time visibility into project status, emerging observations, and follow‑up needs.
Coworkers discussing optimizing compliance and risk capabilities
Optimizing your compliance and risk capabilities
We help financial institutions build and sustain resilient compliance and risk management programs that can withstand increasing regulatory scrutiny. Connect with us to explore how our team can strengthen your institution’s compliance infrastructure and support your long‑term risk management goals.

Insights

Navigating redlining risk: How lenders can stay ahead in 2025

Building a fairer future starts with understanding redlining risks.
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Building a fairer future: The continuing importance of redlining risk management

Learn from recent enforcement actions and equip your institution with the knowledge and tools needed to promote fair lending practices. 
Watch On-Demand Webinar

The CFPB is here to stay: What’s next for the small business lending data collection rule?

A recent US Supreme Court ruling on the constitutionality of the premier consumer finance regulator has broad implications, including for new business lending-related requirements.
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2025 fair lending trends: Time to double-down on risk and compliance

An in-depth look at the top HMDA compliance violations cited in 2024 and how automation can transform your compliance strategy.
Learn More

Resources

US Regulatory Consulting

Expert guidance empowering stronger, smarter regulatory and compliance decisions.
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US Regulatory Consulting: Fair Lending and Responsible Banking

Advancing fair lending analytics and equitable program governance.
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Unlock the power of compliance expertise

Connect with an expert today to assess your challenges and uncover tailored solutions for your institution. Discover how strategic guidance and proven methodologies can transform your compliance program and operational efficiency.

Why schedule a consultation?

  • Align your programs with evolving regulations
  • Reduce risk and improve exam outcomes
  • Build internal expertise through staff training
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Fill out the quick form to start your personalized consultation. Together, we’ll explore how Wolters Kluwer US Regulatory Consulting can meet your unique needs and deliver measurable results.

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